The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,210
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,901
−HK$702/mo
Today · 4.125%
HK$23,603
baseline
▲ 0.50% · 4.625%
HK$25,039
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,206/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,708
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,371
−HK$672/mo
Today · 4.125%
HK$26,043
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,086/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,652
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,481
−HK$842/mo
Today · 4.125%
HK$28,323
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,646/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,650
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$807/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$32,899
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,094
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,061
−HK$983/mo
Today · 4.125%
HK$33,044
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,088/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,592
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,519
−HK$942/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,383
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,978
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,222
−HK$1,263/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$45,070
+HK$2,585/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,475
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,668
−HK$1,210/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,349
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,014 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).